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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $26,948 |
Filed as: KESTRA ADVISORY SERVICES, LLLC Service code 27 | Advisory (Plan) | $11,844 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,001 | $49,451+41.6% | $79,580-12.0% | $66,938+4.6% |
| Participation rate | 34.9% | 61.3%-26.4pp | 69.5%-34.6pp | 69.8%-34.9pp |
| Annual return | -12.70% | 84.25%-97.0pp | 0.15%-12.9pp | 1.58%-14.3pp |
| Employer contribution / active EE | $334 | $1,266-73.6% | $2,413-86.2% | $2,545-86.9% |
| Participant deferral / active EE | $2,168 | $3,159-31.3% | $3,985-45.6% | $4,238-48.8% |
| Admin fee / account holder | $495 | $595-16.8% | $6,835-92.8% | $594-16.6% |